Divina Seguros Motor third-party liability (Seguro Autos Terceros)
Underwritten by Divina Pastora Seguros, Mutua de Seguros · Spain
motor third-party liability insurance from Divina Seguros for the Spain market, with online purchase and 24/7 assistance.
Last verified Jul 17, 2026Sources
Unique selling points
Roadside assistance is included in all policies from kilometre 0 with no minimum distance requirement, 24 hours a day, 365 days a year, covering all of Europe and Mediterranean-rim countries.
In the event of a total loss within the first two years of the policy, Divina Seguros compensates the insured at the vehicle's replacement (new) value rather than its depreciated market value.
A damage assessment (peritaje) is guaranteed within 24 hours of claim notification, accelerating the claims settlement process.
Premiums can be paid annually, semi-annually or quarterly with no interest charges or surcharges on any instalment plan.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal Protection and Defence
Covered
Included in the base Terceros policy. Covers legal defence in traffic disputes, fine appeals, assistance with driving licence points recovery and licence withdrawal protection. Specific monetary limit not published on official product pages.
Section: Seguro de Autos Terceros > Preguntas Frecuentes
El Seguro de Autos a Terceros de Divina Seguros incluye la gestión que necesites para infracciones de tráfico, como por ejemplo el recurso de multas, entre otros.
Green Card (International Insurance Certificate)
Covered
Divina Seguros issues a Green Card (Carta Verde) enabling policyholders to travel abroad with their policy coverages recognised in signatory countries. Available upon request across all terceros modalidades.
Section: Seguro de Autos Terceros Ampliado > Preguntas Frecuentes
La carta verde consiste en un Certificado Internacional de Seguro, con el que puedes viajar al extranjero, disfrutando de coberturas asociadas a tu seguro de coche.
Roadside Assistance 24/7 from Km 0
Covered
All Divina Seguros motor policies include round-the-clock roadside assistance 365 days a year, from kilometre 0 (no minimum distance requirement). Coverage extends to all of Europe and Mediterranean-rim countries. Towing and emergency support services are included.
Section: Seguro de Coche > Ventajas de nuestro seguro de coche
Asistencia en carretera, 365/24 horas y desde Km. 0.
Driver Accident Cover
Excluded
Driver accident cover (death, permanent disability and medical assistance for the driver in case of an accident) is not included in the basic Terceros (third-party) policy. Per Divina Seguros' own comparison table, this benefit first appears from the Terceros Ampliado tier and above.
Section: Seguro de Autos Terceros > Compara Nuestros Seguros > Seguro 1 Seguro de Autos Terceros
Responsabilidad civil obligatoria Responsabilidad civil voluntaria Protección jurídica: defensa y reclamación Gestión de recursos de multas Curso de recuperación de puntos Retirada del carné Rotura de lunas Incendio Fenómenos de la naturaleza Robo del vehículo Pérdida total
Passenger Accident Cover
Excluded
Divina Seguros' official Terceros product pages, including the policy comparison table, do not list a standalone passenger (occupant) accident benefit; injury claims from vehicle occupants are handled under the civil liability guarantee instead.
Section: Seguro de Autos Terceros > Compara Nuestros Seguros > Seguro 1 Seguro de Autos Terceros
Responsabilidad civil obligatoria Responsabilidad civil voluntaria Protección jurídica: defensa y reclamación Gestión de recursos de multas Curso de recuperación de puntos Retirada del carné Rotura de lunas Incendio Fenómenos de la naturaleza Robo del vehículo Pérdida total
Key conditions
Driver restrictions
Driving under the influence of alcohol or drugs voids coverage for both own damage and third-party claims. Additional driver restrictions (minimum age, licence seniority) are determined by the conditions particulares of each policy.
Claim notification deadline
Claims must be notified as soon as possible by calling 96 311 33 45 (Mon–Fri 08:00–18:00) or by emailing [email protected] with the friendly statement (parte amistoso) or a written account of the facts. Divina Seguros commits to completing a damage assessment within 24 hours of claim notification.
Bonus-malus rules
At policy inception, Divina Seguros consults the SINCO (historical motor insurance claims file) and requires the policyholder's claims certificate (certificado de siniestralidad) from the previous insurer. Prior claims history (with any insurer) is factored into the premium calculation. Specific bonus-malus scale details are not published on official product pages.
Territorial scope
Spain and European countries under the Green Card / International Insurance Certificate; roadside assistance covers all of Europe and Mediterranean-rim countries
Documents
Policy specifics
Mandatory Civil Liability
Legally mandated third-party liability coverage with minimum limits of €70 million for personal injury and €15 million for property damage per claim in Spain
SourceVoluntary Civil Liability
Voluntary liability cover above the compulsory minimum limits, included in the Terceros policy
SourceSection: Seguro de Autos Terceros > Coberturas destacadas > Protección voluntaria y obligatoria en responsabilidad civil
El Seguro de Autos a Terceros incluye la protección en responsabilidad civil que necesitas para conducir en España, tanto la obligatoria como la voluntaria.
24/7 Road Assistance
Round-the-clock roadside assistance coverage from kilometer 0, including towing and emergency support services
SourceSection: Seguro de Coche > Ventajas de nuestro seguro de coche
Asistencia en carretera, 365/24 horas y desde Km. 0.
Legal Protection and Defense
Coverage for legal defense in traffic disputes, fine appeals, and damage claims
SourceSection: Seguro de Autos Terceros > Preguntas Frecuentes
El Seguro de Autos a Terceros de Divina Seguros incluye la gestión que necesites para infracciones de tráfico, como por ejemplo el recurso de multas, entre otros.
Theft and Fire Coverage
Insurance against vehicle theft and fire damage, included in comprehensive and higher-tier policies
SourceSection: Seguro Autos Terceros Completo con Pérdida > Coberturas destacadas > Tercero ampliado + robo + incendio + fenómeno de la naturaleza
Este seguro te ofrece todas las coberturas del Seguro Autos a Terceros Ampliado, con la inclusión de coberturas en caso de robo, incendio o siniestro por un fenómeno de la naturaleza.
Free Choice of Workshop or Approved Network
Policyholders can choose between Divina Seguros recommended workshops with discounts or select their own repair facility
SourceSection: Seguro de Autos Terceros > Por qué traer mi Seguro de Autos a Terceros a Divina Seguros
Extensa flota de talleres a tu disposición con descuentos o tú eliges el taller.
Assessment Within 24 Hours
Divina Seguros commits to providing damage assessment within 24 hours of claim notification
SourceSection: Seguro de Autos Terceros > Por qué traer mi Seguro de Autos a Terceros a Divina Seguros
Peritaje en 24 horas.
New Vehicle Compensation (First 2 Years)
In case of total loss within the first two years of policy inception, compensation is calculated at replacement value rather than depreciated book value
SourceSection: Seguro Autos Terceros Completo con Pérdida > Coberturas destacadas > Cobertura en pérdida total de un 100 % del valor total del vehículo los 2 primeros años. De 3 a 6 años valor venal mejorado un 30
Cobertura en pérdida total de un 100 % del valor total del vehículo los 2 primeros años. De 3 a 6 años valor venal mejorado un 30
Flexible Payment Options
Customers can choose to pay premiums annually, semiannually, or quarterly without interest charges
SourceSection: Seguro de Autos Terceros > Por qué traer mi Seguro de Autos a Terceros a Divina Seguros
Facilidad en el pago (anual, semestral o trimestral) sin intereses.
Licensed Insurer Registration
Divina Seguros operates under Divina Pastora Seguros, Mutua de Seguros, registered with Spain's financial regulator (DGSFP) with key M0381
SourceSources
- divinaseguros.comhttps://divinaseguros.com/seguro/autos(opens in a new tab)
- seguros.divinaseguros.comhttps://seguros.divinaseguros.com/seguro-autos-terceros-ampliado/(opens in a new tab)
- seguros.divinaseguros.comhttps://seguros.divinaseguros.com/seguro-autos-terceros-completo-con-perdida/(opens in a new tab)
- seguros.divinaseguros.comhttps://seguros.divinaseguros.com/seguro-de-autos-terceros/(opens in a new tab)
- seguros.divinaseguros.comhttps://seguros.divinaseguros.com/seguro-de-coche-madrid/(opens in a new tab)
Divina Seguros Motor third-party liability